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The New Jersey GOP's Secret Senate Race Weapon
The race could turn on intensity, which plays to Lonegan's advantage.
Democrats – and most Republicans – expect that the party will keep the seat held on and off since the 1980s by the late New Jersey Sen. Frank Lautenberg in the upcoming special election. GOP Gov. Chris Christie certain seems to believe it which is probably why, having determined the law required him to schedule a quick election, he picked a Wednesday in October – giving the special election a $24 million price tag – just two weeks before he must face the voters in his regularly scheduled bid for a second term.
If he hadn't, Christie might have been on the ballot at a time when the Senate race was energizing Democrats to turn out, making his expected path to an easy win as bumpy as the north end of the Jersey Turnpike.
All that's fine with former Bogota, N.J. Mayor Steve Lonegan, the former leader of the New Jersey chapter of Americans for Prosperity and the GOP's best chance to win a Senate race since Jeff Bell ousted incumbent Republican U.S. Sen. Clifford Case in the 1978 primary.
[See a collection of political cartoons on Congress.]
Despite losing the GOP primary to Christie four years ago Lonegan is a force to be reckoned with. Legally blind, he was for 12 years the mayor of Bogota, which gave Barack Obama better than 65 percent of the vote in the last election. For 11 of those years Lonegan also had working control of the city council, which allowed him to author and pass tax cutting measures, reduce the size of government, and put into place a law requiring any city budget that increased spending by more than the rate of inflation to be ratified by a vote of the people in this overwhelmingly Democrat community.
Lonegan has compiled an impressive political resume, leading two successful statewide campaigns against big spending ballot measures – which is a nice contrast with his opponent in the GOP primary, Dr. Alieta Eck, whose experience in politics seems not to go much beyond this speech to the extremist John Birch Society. Lonegan's network is formidable, turning in 7,000 signatures to get on the ballot in just about 36 hours when only 1,000 were required – an indication that his political base, inspired by his Chris Christie-style plain speaking, is highly energized and ready to go.
[See a collection of political cartoons on the Democratic Party.]
Compare that to the Democrats, who have four candidates competing in what is essentially a free shot for the right to go to the Senate. The front-runner, Newark Mayor Cory Booker – whatever else he may do – does not play well with the solons who have run the Democratic Party in either north or south Jersey. He will not be much help to them in the Senate which is why they may secretly prefer Rep. Frank Pallone, who has been salivating over the chance to jump to the Senate for at least a decade and who represents everything that is wrong with Jersey politics as typically understood. Also in the race are Rep. Rush Holt, who represents the area around Princeton, and State Assembly Speaker Sheila Oliver. Any of them could win the primary, which is sure to be a low turn-out election. The smart money is backing Booker or Pallone but the reality is that, with just only a year between the special election and the next time the seat comes up, the losers in the Democratic primary might just as well be happy to see the Republican win the general so they can run again.
The special election is an off-election in an off-year, meaning that intensity matters. It's not at all clear that Booker or Pallone's support can match Lonegan's in intensity, especially with President Obama's approval numbers steadily dropping, especially among young people. The national issue matrix is heavily favoring the GOP right now, what with the scandals at the IRS and Department of Justice, the mismanagement by the president's national security team of the events at Benghazi, and the imploding implementation of Obamacare. The spoils in the New Jersey Senate special will go to the candidate who works the hardest – and right now that candidate is Steve Lonegan.
Corrected on : Corrected 6/21/13: A previous version of this blog post incorrectly stated that Steve Lonegan currently holds an office with Americans for Prosperity. He vacated his roles to run for the open New Jersey Senate seat.


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Lower Dam and Lower Dam Hydro Plant, St. Anthony Falls, designed by William de la Barre, c.1898.
Hubbard in 1857, the year he came to Red Wing
Hubbard in 1865 after the Civil War's end
Lucius F. Hubbard, Colonel, Fifth Minnesota Infantry, c.1863
Photograph of a small congregation of lumberjacks assembled inside a bunkhouse to hear sky pilot Frank Higgins preach c.1910.
M.W. Savage and Dan Patch, c.1905.
Magazine advertisement from Good Health magazine, July 1919, published by Dr. John Harvey Kellogg.
Magazine advertisement from LIFE magazine with opera singer Marion Talley, September 2, 1937.
Magazine advertisement from The American Journal of Nursing, March, 1944.
Mahala Fisk Pillsbury with her mother, daughter, and grandson, c.1888. Photographer: Arthur B. Rugg
Made possible by the Arts and Cultural Heritage Fund through the vote of Minnesotans on November 4, 2008. Administered by the Minnesota Historical Society.
Minnesota Historical Society • 345 W. Kellogg Blvd., St. Paul, MN 55102-1906 (Map) • 651-259-3000 © .
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text: Looking for fun adventure? Banning Mills is a natural adventure wonderland with a strong historical and cultural background. The Tree Flight Canopy tour features over two miles of cable and wood bridges and zip lines, one of the longest and highest in the world! Enjoy horseback riding on the beautiful and historic trails with peaceful surroundings. Participate in a team challenge on the Low-High Ropes Course and GPS Challenge. Banning Mills also offers many delicious food options, a spa, and a Historic Country Inn. Resting among 1000 beautifully wooded acres overlook Snake Creek Gorge in Whitesburg, historic Banning Mills is truly unique.


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Defeat Diabetes
150 153rd Ave,
Suite 300
Madeira Beach, FL 33708
15% Increase in Diabetes in 2 Years - Nearly 24 Million PeoplePosted: Thursday, July 03, 2008
New government estimates show that nearly 24 million people, 8% of the population in the United States have diabetes, an increase of more than 3 million in two years.
This a 15 percent increase from the numbers posted by the group just two years ago, representing over 3 million additional cases during that time.
The numbers are truly staggering, and the fact that the likelihood of developing diabetes increases with age makes it frightening to think of how many more will be affected over the next decade as the population of baby boomers enter a higher risk bracket for diabetes.
The new figures did bring with them one piece of good news. The percentage of diabetics unaware they have the disease fell to 25% from 30% during the period, the CDC said. Awareness is key because good management can reduce diabetes-related risks such as heart attacks and strokes.
The highest rates are among Native Americans and Alaska Natives, with 16.5 percent affected.
Close to 12 percent of blacks and 10 percent of Hispanics have diabetes, but just 7.5 percent of Asian Americans and 6.6 percent of whites.
Diabetes causes the body to produce less insulin, or to use it less effectively, which in turn causes blood sugar levels to rise. This in turn damages blood vessels and organs, leading to blindness, kidney disease, limb loss and heart disease.
Almost 25 percent of the population 60 years and older had diabetes in 2007, the CDC found.
It is the seventh-leading cause of death in the United States. The estimates, based on 2007 data, also show that 57 million people have pre-diabetes, a condition that puts people at increased risk for diabetes. And up to 25 percent of people with diabetes do not know they have it, the CDC said -- down from 30 percent two years ago.
"It is concerning to know that we have more people developing diabetes, and these data are a reminder of the importance of increasing awareness of this condition, especially among people who are at high risk," said Dr. Ann Albright, director of the CDC's Division of Diabetes Translation.
"On the other hand, it is good to see that more people are aware that they have diabetes. That is an indication that our efforts to increase awareness are working, and more importantly, that more people are better prepared to manage this disease and its complications."
Source: Diabetes In Control
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What is the rest of your water like?
Why do you need the carbon?
While I might understand it for city water with the chlorine, well water either has iron or smell... and both of those shorten the life of carbon faster than chlorine does..
Oh and forgot to add,,,
Flow rates of the two are different.
Resin has say a flow rate of 6gpm per cubic foot and a back wash rate of 3gpm while carbon has 3gpm for iron and h2s and 6gpm for chlorine per cubic foot and back wash of 4gpm.
If you are adding a few inches I my self do not think that it is going to do much in the way of removing any thing from the water or at least any thing that it should be removing.
In line house filters are more for sand and the like, not carbon.


text: As the industry's leading news and information source, Travel Weekly continuously supports experienced and promising travel professionals in all capacities to assure the strength and growth of the industry's future.Travel Weekly's CruiseWorld is a LIVE event which brings together agents and supplier partners through networking events, educational workshops and a trademark Exhibitor Showcase to promote mutual success for all. New for 2014, and reconfirming Travel Weekly's support and commitment to the industry, is the expanded CruiseWorld Hosted Agent Program. The 2014 Hosted Agent Program connects industry professionals through pre-scheduled, one-on-one meetings and select networking opportunities. CruiseWorld Hosted Agents will be a diverse group of pre-qualified professionals with varying experience levels and specialties. Approved Hosted Agents who are committed to their future and the event programming will be sponsored by Travel Weekly, and will be provided with complimentary event registration, complimentary hotel accommodations and for those who qualify - complimentary round trip coach air.The investment Travel Weekly is making in the industry's future and in the growth of the travel agent distribution channel at CruiseWorld clearly defines CruiseWorld as the premier gathering place for serious travel retailers and suppliers from all sectors of the travel industry.CruiseWorld successfully brings together the leisure travel industry -- cruise, tour, destinations, hotels, technology and more.


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Seminar Instructors
All our Seminar Instructors are commissioned Notaries, so they know the challenges you face on a daily basis. All our instructors have been rigorously trained and tested in notarial laws and best practices, so they also know the proper responses to those challenges. Perhaps just as importantly, NNA Seminar Instructors all are gifted public speakers, so they can share their knowledge with you in ways that are not only educational but also entertaining. Finally, our instructors are backed by the combined skills and knowledge of the entire Program Development team, who create our seminars with you in mind: classes that are packed with the information you need delivered in easy-to-understand terms and that include lots of interactive exercises so you are ready to use what you've learned when you walk out the door.


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Wood handles. Used for pin striping, touch-up and trim, ceramics, glazes, fine detail and watercolor.
Add a special touch of color to your fondant-covered cake! It's easy and fun with these fine-bristle brushes and Brush-On Color or Icing Writer. Three tip designs-round, square and bevel-help you achieve different painted effects.
1. Use the round tip brush for lively streamers and dots. 2. Use the square tip brush for lace-look brush embroidery. Draw design with Icing Writer, then pull design outlines toward center with brush 3. Use the bevel tip brush to paint pretty free-hand designs.
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April 23, 2014
January 20, 2013
ROANOKE, Va. (AP) - Appalachian Power is continuing work to restore power to thousands of customers in Virginia who lost service after last week's winter storm.
The company's website shows more than 18,800 customers without electricity as of Sunday afternoon, including more than 3,000 outages in both Grayson and Pulaski counties.
Appalachian Power says electricity may not be restored to some customers until Tuesday night.
The first significant winter storm of the season arrived late Thursday and continued into early Friday. The greatest snow depths were in the southern and western parts of the state.
Appalachian Power says outages in its service area peaked at about 128,000 customers. It serves about half a million customers in Virginia.
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You can also read manga online try the Living Game manga!
You're reading Living Game 76 online. You can try some of the related manga below or try some other manga from our manga list.
Users who read Living Game also read Ai Yori Aoshi, Binbou Shimai Monogatari, Yawara!, Nicoichi, Futari Ecchi, Love Comedy Style, Genshiken, Inubaka, Love Love Country Road and Happy Negative Marriage.


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Grand Sierra has the best Reno concerts and shows, with the biggest headliners. To purchase show tickets by phone, please call our box office at 1-800-648-3568. Concert and show tickets are non-refundable and non-exchangeable from time of purchase. Concert & show tickets will be available at Will Call at the Grand Sierra Box Office.
Friday, April 25 at 8PM (Grand Theatre) | Website
Bass Camp Festival presents "Spring Breaks," featuring DJ/Producers Mt Eden, Figure, and Felix Cartal on Friday, April 25, inside the Grand Theatre. Tickets are just $20 in advance, $25 day of (+tax/fees). This is an 18+ event.
Thursday, May 1 at 8PM (Grand Theatre) | Seating Chart
Gloria Trevi, often hailed as the "Mexican Madonna," came to symbolize the new generation of Mexico in the 1990s and shook the world with the release of her first musical production, "Qué hago aquí?" Her controversial television performances included torn socks, multicolor outfits and a risqué attitude, as well as public opinion commentaries that resounded throughout the media and positioned her on the international stage as a true revolution in the Latin music industry. Trevi is now responsible for more than 300 songs and has sold over 20 million records. Trevi's September 2013 album "De Película" challenges the accepted rules of Latin music with her boundless talent.
May 2 - 4 (GSR Parking Lot) | Website
Northern Nevada's Largest Annual Celebration of Latino Heritage! Live bands daily, rides, face painting, Miss Cinco de Mayo competition, Mexican dancing horses, amateur boxing and much, much more.
Saturday, May 3 at 10am (Grand Theatre | Sports Book | Casino Floor | Wet) | Website
140th Running of the Kentucky Derby - Live viewing at the Grand Theatre, Sports Book and Casino Wide. Food & Beverage Specials. Doors at 10am. Place your bets at William Hill Race & Sports Book.
Saturday, May 10 8PM (Grand Theatre) | Website | Seating Chart
Without a doubt, Mariachi Vargas de Tecalitlan is the most representative musical ensemble of the entire history of Mariachi. The group has consistently and decisively shaped Mariachi music and has enjoyed a wild success, touring the world extensively. Mariachi Vargas refined the rugged aspects of the music of southern Jalisco, Mexico. Don't miss this exciting performance in the Grand Theatre on Saturday, May 10.
Saturday, May 17 at 8PM (Grand Theatre) | Website | Seating Chart
James Blunt rose to prominence in 2004 with the release of his debut studio album "Back to Bedlam" before achieving worldwide fame with the singles "You're Beautiful" and "Goodbye My Lover." The album sold over 11 million copies worldwide. Last year, Blunt released his fourth album, "Moon Landing," an album about dreams, longing, and first love.
Saturday, May 24 at 9PM (Grand Theatre) | Website | Seating Chart
Bob Saget has starred in many successful television shows, including two of the most family-friendly shows network TV has ever produced ("Full House" and "America's Funniest Home Videos"), but he's also been an out-of-his-mind standup comedian for over thirty years. From his HBO special "That Ain't Right" to his scene-stealing cameos in "Entourage" and "The Aristocrats," it's always riotously hilarious when Saget embraces his dark side.
Friday, May 30 at 9PM (Grand Theatre) | Website | Seating Chart
Brit Floyd - Discovery World Tour 2014 is a spectacular new live production featuring music from all fourteen Pink Floyd studio albums, plus a dazzling new light and laser show. Named after Pink Floyd's recent box set of the same name, the brand new DISCOVERY show will capture in note-for-note detail all your favorite moments, as well as a few lesser known gems, from one of the most outstanding and enduring back catalogues in the history of recorded music. The show includes stunning new video animation, theatrics and inflatables.
Saturday, June 7 at 9PM (Grand Theatre) | Website | Seating Chart
Comedian Pete Holmes is known for his podcast "You Made It Weird," his half-hour show "Comedy Central Presents," and his appearances on Conan O'Brien, Jimmy Fallon and VH1. Holmes is the voice of the e*trade baby and Toby on Comedy Central's "Ugly Americans." He was named one of Variety's Top Ten Comics to Watch, draws cartoons for The New Yorker and also wrote for NBC's "Outsourced" and FOX's "I Hate My Teenage Daughter." Get ready to laugh Saturday, June 7!
Saturday, June 21 at 9PM (Grand Theatre) | Website | Seating Chart
On Saturday, June 21, Legends of the Game Concert Productions proudly presents the Capture the Rhythm concert series "Just Between Us," featuring Grammy nominated jazz musician and saxophonist, Gerald Albright, along with special guests, Marcus Johnson and Petri Hawkins Byrd. This concert will without a doubt be an evening to remember. Concertgoers are encouraged to bring three non-perishable food items to benefit the Food Bank of Northern Nevada.
Saturday, June 28 at 8PM (Grand Theatre) | Website
WFC and Grand Sierra Resort and Casino are coming together to present WFC 24 on June 28! There will be 14 action-packed cage fights (6 pro and 8 amateur). Be sure to get your tickets early because we are sure to sell out!
Featured Fighters:
Joshua Madie Turner • Jack D. Montgomery • Francesco DiMartino • Matthew McCrary • Mike Morales • Byron Cragg • Vinnie Reymus • Lindsey Boston • Derek Jones • Brian Bell • Kittrell Wyrick • Josue JR Lugo • Mike Morales
Saturday, July 5 at 9PM (Grand Theatre) | Website | Seating Chart
Boz Scaggs is both a musical seeker and a man of sizable talent as a singer, songwriter and guitarist. His explorations in Blues, R&B, Rock, and Jazz have produced lasting work and a career that has brought with it acclaim, a loyal following, and an enduring respect among musicians. In "Memphis"—Scaggs' first studio album in five years—the artist looks back musically and biographically. Don't miss the legendary Boz Scaggs in the Grand Theatre Saturday, July 5.
Monday, July 7 at 8PM (Grand Theatre) | Website
The six piece alternative hip hop crew Jurassic 5 formed originally in 1993 in Los Angeles. The group broke up in 2007, but re-formed in 2013 for the Coachella Valley Music and Arts Festival and an international tour. Don't miss Jurassic 5's outstanding one-night performance in the Grand Theatre on Monday, July 7.
Saturday, August 9 at 9PM (Grand Theatre) | Website
No one else in popular American music has recorded for so long and at such a high level of excellence as Tony Bennett. In the last ten years alone he has sold ten million records. Bennett is one of a handful of artists to have new albums charting in the '50s, '60s, '70s, '80s, '90s, and now in the first two decades of the 21st century. In the new millennium, Bennett's artistry and popularity have been higher than ever. Today Bennett's accomplishments are applauded here at home and all over the world by people from of all ages. Don't miss this incredible opportunity to experience the legendary Tony Bennett live in the Grand Theatre Saturday, August 9.
Thursdays (Wet ) | Website
The person that brings the most girls receives $500!
Fridays (Wet ) | Website
DJ Rick Gee starts spinning beats @10pm.
Fridays (Sports Book) | Website
DJ Jamie G Spins the Country Hits for you to dance to every Friday.
Saturdays (Sports Book) | Website
DJ Jaime G and Bob Richards of KBUL 98.1 play the hits. $12 Bottomless Coors Light Red Cups.
Thursdays (Cantina) | Website
Half off drinks for ladies! $1 Well Tequila shots for Ladies! XMFREDIE Performs!
Thursdays (Sports Book) | Website
Half off house drinks for ladies. Line Dancing Lessons @10pm. Dj Jamie G performs.
April 25 (Wet ) | Website
Dress Code Enforced. Beds Provided! DJ RIck Gee performs.
Saturday, April 26 at 6PM (WET & Sports Book) | Website | Video
Jon Jones and Glover Teixeira go head-to-head Saturday, April 26 to find out who will win the World Light Heavyweight Title. Catch the live broadcast at Wet Ultra Lounge and the GSR Sports Book starting at 6PM.
Saturday, May 3 at 6pm (Grand Theatre | Casino | Sports Book | WET)
Catch all the action as WBC Welterweight World Champion Floyd "Money" Mayweather faces dangerous, power-punching WBA Welterweight World Champion Marcos "El Chino" Maidana in a 12-round world championship unification bout. Mayweather vs. Maidana will pit the brilliance of Mayweather against the power of the Argentine slugger. See the live broadcast in the Grand Theatre, GSR Sports Book, Wet Ultra Lounge and throughout the casino floor on Saturday, May 3 at 6PM.
July (Lex Nightclub) | Website | Video
Where Elegance Becomes Unruly. Coming Soon.
Daily (Casino) | Website
All Bets. All Machines. One Jackpot! Guaranteed to hit by $50,000.
Tuesdays & Thursday (Casino) | Website
We're giving away $3,000 in Free Slot Play every Tuesday & Thursday!
Sundays (Casino) | Website
Everyone is a Winner! Wager $5 and then Spin to win on your favorite slot machine 2pm to midnight. You have a chance to win the $2,000 cash top prize on the wheel. All players are guaranteed to win!
Wednesdays (Elements Buffet) | Website
It's as easy as 1, 2, 3!
May 16 & 17 (Casino)
Drawing giveaway weekend with cash & FREE Play Prizes!
May 24 6-10pm on the hour. (Casino) | Website
$25,000 Lucky Races! Come to the races May 24. Races at 6pm-7pm-8pm-9pm-10pm. Wager $10 one hour prior to each race time to qualify.


text: da Vinci® Surgical System If you have been diagnosed with a condition requiring surgery, you may be a candidate for a new category of minimally invasive surgery. Until very recently, your options included traditional surgery with a large open incision, or laparoscopy, which uses small incisions but is typically limited to very simple procedures. Thanks to a breakthrough in surgical technology known as the da Vinci® Surgical System, surgeons are now able to offer a minimally invasive alternative for complex surgical procedures. Benefits of the da Vinci® Surgical System Major surgery performed through the smallest of incisions The benefits of treatment with the potential for significantly less pain A shorter hospital stay Faster return to normal daily activities The possibility of better clinical outcomes If surgery is in your future, you owe it to yourself to learn about all of your medical options, including the most effective, least invasive surgical treatments available. With the da Vinci® Surgical System, our team of surgeons is changing the experience of surgery. For more information, call 484-628-HELP (4357).


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LaBar's colleagues told him music professionals lacked a concise collection of musical selections appropriate for auditions in the world's leading opera and ballet houses. In response, LaBar recently published "Hornist's Opera and Ballet Handbook," a selection of 38 popular audition pieces for professional horn players.
For the book, LaBar used a grant from Tennessee Tech's Office of Research to survey opera and ballet houses around the world to determine the pieces typically used for auditions. Once he identified the pieces to include, LaBar sought the full text of each composition.
"Many of these scores were extremely hard to find," says LaBar, "especially those that are popular in Europe but hardly ever performed in North America. In some cases, I couldn't find any score at all and had to rely on parts sent to me by performers."
When he began editing the scores, some of which are over a thousand pages long, LaBar turned to Howard T. Howard, a leading operatic horn player and member of New York's Metropolitan Opera, for aid. Among other contributions, Howard wrote performance notes for the book's margins to guide musicians.
The Horn Call, the journal of the International Horn Society, gave LaBar's book high praise. A reviewer wrote, "With the purchase of the 'Handbook,' the value of your investment soars with both a collection of important excerpts and critical advice!...Every hornist who intends to delve into this great literature should own a copy."
Phoenix Music Publications in the Netherlands published the "Handbook" in August. LaBar's first book, "Horn Player's Audition Handbook," published in 1986, went into a second printing last summer.
Area audiences can hear LaBar demonstrate his horn expertise in two upcoming concerts. The Cumberland Quintet, a Tennessee Tech faculty woodwind and brass ensemble, performs at 8 p.m. Tuesday, Feb. 6. LaBar will give a horn concert at 8 p.m. Friday, Feb. 9.
Both performances are free and take place at Wattenbarger Auditorium. For more information, call the Department of Music and Art at 615/372-3161.


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Healthy Menu Items Better for Business, Study Finds
Sales of low calorie items increasing despite declines in overall sales.
U.S. Senator Dick Durbin (D-IL) eats a McDonald's salad during a lunch in the board room of McDonald's corporate offices in Oak Brook, Ill., Aug. 22, 2003.
In the midst of an obesity epidemic, low calorie items are fueling the growth of America's biggest and baddest restaurant chains.
Lower calorie foods and beverages, and the major restaurant chains that sell more of them, outperformed less healthy alternatives in the U.S. over the past five years, according to a report released Thursday by the Hudson Institute.
The study, called "Lower-Calorie Foods: It's Just Good Business," looked at 21 of the nation's largest restaurant chains, from fast food giants like Burger King and McDonald's to full-service chains like Olive Garden and Applebee's, and separated their menu items into two categories: lower calorie items and traditional items. It then tracked the performances of the two food types from 2006 to 2011, and found that lower calorie menu items outperformed traditional ones at 17 of the 21 restaurant chains studied.
[RELATED: U.S. News Ranks the Best Diets]
Henry Cardello, director of the Hudson Institute's obesity initiative, emphasized that the menu options classified as low calorie weren't always marketed as such, but sold better anyway.
"When it comes to more indulgent foods, the minute you tell someone 'Oh by the way, you're going to a fast food restaurant, and there's a healthier item on the menu,' everyone runs the other way," Cardello says. "Nobody's really selling these items very hard, demand is showing up here anyway."
The restaurants which tapped into that demand increased their sales, increased their total food and beverage servings, and increased the number of customers walking through the door from 2006 to 2011, the study found. Sales revenue, total customers, and total servings all declined in restaurants that reduced the number of low calorie options on their menu in that time period.
Customers of the restaurants ate fewer french fries, drank fewer non-diet sodas over that time, and sales of 11 of the 12 most popular hamburgers also declined.
[READ: Diet Drinks May Make More Potent Cocktails]
"Consumers are telling you they want more and more of these products," says Cardello, who formerly worked for Coca-Cola and General Mills . "This is business, it's strictly business — the moral argument, God-bless, there's a good moral argument — but just do it for business because it just makes sense for you."
Lower calorie items were defined as 500 calories or less for entrees, 50 calories or less for beverages, and 150 calories or less for sides and desserts. The study found about 38 percent of menu items offered by the 21 restaurants in 2011 were lower calorie, up from about 36 percent in 2006.
That modest increase is more impressive when the scale is considered: the 21 restaurants studied accounted for $102 billion in sales and more than 50 billion servings during the survey.
"The report shows that the right thing and the profitable thing are not mutually exclusive," says James Marks, senior vice president at the Robert Wood Johnson Foundation, which sponsored the study. "Companies can do good while doing well."
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Quassel IRC is a modern, cross-platform, distributed IRC client, meaning that one or more clients can attach to and detach from a central core, much like the popular combination of screen and a text-based IRC client, but graphical. In addition to this unique feature, it aims to be a comfortable chatting program.
A library designed for MPEG TS and DVB PSI tables decoding and generation.
A library to solve the Schroedinger equation numerically.


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Product Review (submitted on October 16, 2010):
I never thought honduran cigars could be as good as dominican. This was a good variety pack. We went fishing and had a great day.


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DPOC Chair Calls on OC Supervisors to replace Janet Nguyen as CalOptima Representative in the Wake of Federal Investigation
Orange, CA - Today, Democratic Party of Orange County Chairman Henry Vandermeir has called on the Board of Supervisors to remove Janet Nguyen as Chair and Board Representative of the beleaguered CalOptima.
CalOptima is the administrator of health insurance programs for 418,000 low-income children, residents, seniors and people with disabilities. It is currently under investigation by federal, state and local authorities.Read more
As a result of an audit, federal officials have ordered Orange County's health plan for low-income and disabled residents to stop enrolling patients into its senior program citing a "serious threat to the health and safety of participants."
Candidate Bootcamp! Saturday, March 1st
If you are running or considering a run for office in the near future or plan to work on a political campaign , please plan to attend our Candidate Bootcamp!
Consultants, Fundraisers, Elected Officials and Party leaders will be on hand to provide information and the tools it takes to run and win at the local, state and federal levels.
Help Elect David Alvarez In San Diego!
Next week, on February 11th, the city of San Diego will have a very important election to decide who will be their next Mayor. The Democratic Party is proudly supporting David Alvarez. San Diego is the second largest city in California and the eighth largest in the United States. It is extremely important for our entire state that San Diego has a strong progressive like David representing it.


text: Clearance Seashell Filled Tealight Holder, Set of 3 Item #: 115443 $12.99 $6.37 Temporary Sale Ship to Home Complete your island décor with this set of Seashell Filled Tealight Holders! Filled with sand and seashells and accented with raffia, each piece fit a tealight candle perfectly! This item is no longer available for purchase.


text: Elizabeth Warren Elizabeth Warren has been a law professor at Harvard for nearly twenty years. She is the author or coauthor of nine books, including The Two-Income Trap: Why Middle-Class Parents Are Going Broke. Elizabeth served as Chair of the Congressional Oversight Panel for the Troubled Asset Relief Program (TARP) and is Massachusetts's first female senator. She lives with her husband in Cambridge, Massachusetts. Become a Fan × About The Author Author Author on the Web Author on the Web Books by this Author Books Share Share Email Print Books by this Author All Your Worth By Elizabeth Warren Elizabeth Warren ON THE WEB


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Luxe Dark Blue Swirl Cotton Changing Pad Cover by Caden Lane
Complete the look of your baby's nursery with this changing pad cover from Caden Lane! Made to coordinate with all of Caden Lane's crib bedding collections, this changing pad cover will ensure that any little accident is easy to clean up and stress free! 100% cotton.
Turned off by the traditional color combinations and themes often found in nurseries, Katy Mimari searched for bold prints and unique styling for her new baby's room. Her passion for finding the perfect nursery furnishings and baby necessities lead to the birth of Caden Lane. She started off with six stylish diaper bags and her collection snowballed from there to include whimsical baby bedding, baby blankets, baby accessories and so much more! When you shop Caden Lane, you will be able to find everything you need from colorful nursery decor to unique on-the-go essentials.
SIZE: 31"W x 15"D (Fits standard and contour changing pads)
Category: Bedding, Crib Bedding Accessories
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Home > Consumer Protection > Consumer News & Information > FDIC Consumer News
FDIC Consumer News
Special 10th Anniversary Edition - Fall 2003
Minimum Payments, Maximum Costs on Credit Cards
While it might appear to be a good deal to pay only the minimum amount due on your credit card's outstanding balance each month and keep the extra cash for other bills, this could be one of the worst financial moves you can make. Why? It will take you a very long time to pay off the balance, and the interest costs (often quite high on credit cards) can be shocking. Example: If you pay only the minimum due, a $500 television would cost you more than $900 (including interest costs) and require eight years of payments.
So pay as much as you can on your charge card each month pay the entire balance, if possible to avoid interest charges. If all you can afford is the minimum amount, pay that... and pay it on time to avoid a late fee and other potential problems.
|Last Updated 12/12/2003


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We're Listening to Businesses about the Health Care Law
by ngoriel, Community Moderator
- Created: July 2, 2013, 7:08 pm
NOTE: This blog is by Valerie Jarrett, senior advisor to President Barack Obama and first appeared at WhiteHouse.gov on July 2.
From the start, this Administration has encouraged an ongoing dialogue with the leaders of our nation's businesses, large and small. There's more to do, but working together we've helped rebuild our economy. Businesses have added 6.9 million private-sector jobsin the past 39 months and we've helped strengthen the middle class. Today, most Americans get their health insurance through their jobs and that will be the case moving forward.
To help restore middle class security, we are making health care more affordable to businesses, government, and American families through the Affordable Care Act. While major portions of the law have yet to be implemented, it's already a little more affordable for businesses to offer quality health coverage to their employees. A recent reportsuggests that medical cost growth will be lower in 2014 than an already low rate in 2013, both "defying historical patterns."
Starting next year, the law also ensures all Americans will have access to affordable health coverage. We are on target to open the Health Insurance Marketplace on October 1 where small businesses and ordinary Americans will be able to go to one place to learn about their coverage options and make side-by-side comparisons of each plan's price and benefits before they make their decision.
As we implement this law, we have and will continue to make changes as needed. In our ongoing discussions with businesses we have heard that you need the time to get this right. We are listening. So in response to your concerns, we are making two changes.
First, we are cutting red tape and simplifying the reporting process. We have heard the concern that the reporting called for under the law about each worker's access to and enrollment in health insurance requires new data collection systems and coordination. So we plan to re-vamp and simplify the reporting process. Some of this detailed reporting may be unnecessary for businesses that more than meet the minimum standards in the law. We will convene employers, insurers, and experts to propose a smarter system and, in the interim, suspend reporting for 2014.
Second, we are giving businesses more time to comply. As we make these changes, we believe we need to give employers more time to comply with the new rules. Since employer responsibility payments can only be assessed based on this new reporting, payments won't be collected for 2014. This allows employers the time to test the new reporting systems and make any necessary adaptations to their health benefits while staying the course toward making health coverage more affordable and accessible for their workers.
Just like our effort to turn the 21 page application for health insurance into a 3 page application, we are working hard to adapt and to be flexible in employer and insurer reporting as we implement the law.
Meanwhile, here is a quick review of what small and big businesses need to know about the health law and how it will work:
- If you are a small business with less than 50 workers, the law's employer shared responsibility policies does not apply to you. Instead, you will gain access to the Small Business Health Options Program that gives you the purchasing power of large businesses. In fact, you may be eligible for a tax credit that covers up to half the cost of insurance if you offer quality coverage to your employees
- If you own a business with more than 50 workers that already offers full-time workers affordable, quality coverage, you are fine – we'll work with you to keep that coverage affordable.
- And if you are a company with more than 50 employees but choose not to offer quality affordable coverage, we have provided as much flexibility and transition time as possible for you to move to providing affordable, quality coverage to your workers.
We are full steam ahead for the Marketplaces opening on October 1. For more information on what is coming check out: HealthCare.gov
About the AuthorHi, my name is Natale and I'm serving as a Moderator for the SBA Community. Our goal is to continually improve this site to meet your needs, so we appreciate your feedback and participation.
nhatbanhaiduoc | Window Shopper | 2/15/2014 - 1:24 pm
inhanhgiau | Window Shopper | 9/27/2013 - 9:11 pm
FaaastCash | Window Shopper | 8/30/2013 - 2:42 am
in disguise. Hope it brings much required changes in the work Zone.
Yakinican | Window Shopper | 8/2/2013 - 7:59 am
Biz4Loans | Window Shopper | 7/17/2013 - 5:10 pm
Insurance1st | Window Shopper | 7/14/2013 - 11:49 pm
in learning more about the new Affordable Care Act which will in-turn assist
me when I'm talking health insurance. By the way, is there a possibility I
could get in contact with someone regarding becoming a Market Place
Specialist? Thank you in advance for your response! (Licensed Insurance
Agent, Texas)
JGabriel | Community Moderator | 7/19/2013 - 11:56 am
ngocdoangia | Window Shopper | 7/14/2013 - 8:14 am
LepkeAutoTrans | Window Shopper | 7/9/2013 - 3:39 pm
care more affordable as the public was led to believe.
chienpm | Window Shopper | 7/9/2013 - 2:55 am
shared responsibility policies does not apply to you. Instead, you will gain
access to the Small Business Health Options Program that gives you the
purchasing power of large businesses. In fact, you may be eligible for a tax
credit that covers up to half the cost of insurance if you offer quality
coverage to your employees.
Thanks all
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The RealBristle Painting System heightens the responsiveness of the brush for the artist, replicating traditional art media with individual bristles that blend and splay.
Corel Painter X also adds faster and easier Composition Tools. The Divine Proportion composition tool provides guidelines that follow the Divine Proportion (known as the Golden Ratio) to allow artists to compose images like the Masters. The new Layout Grid tool provides guidelines that follow photography's Rule of Thirds, but can be customized to other desired grid patterns.
Also new are an enhanced Photo-Painting system, a Match Palette effect, and a Universal Mixer palette. And, the product offers enhanced brush speed, new dodge and burn capabilities, and better color management.
Painter X supports the new Windows Vista platform and runs on the latest Mac operating systems. The version also provides more intuitive Adobe Photoshop support, making it easier to move files between the applications, as well as wider Wacom support.
The PC-based PhotoModeler automates the science of photogrammetry (measurement from photographs), enabling the accurate measurement of objects and the generation of photorealistic 3D computer models. The versatile tool has been adopted across a wide variety of industries, including accident reconstruction, architecture, scientific and engineering applications, as well as film and game production.
Version 6 contains a new Shapes function for working with geometric solids, and provides flexible means to export results into other software. The KMZ export format allows users to upload textured building models into the popular 3D globe application Google Earth, or utilize Google Earth's 3D environment as a background for presenting PhotoModeler analysis of real-world scenes. Automatic processing of reference points now occurs in the background while the user is working, which greatly speeds 3D model generation. The software also offers new printing and output options, an automated camera library, and Idealize, a module that removes lens distortion from photographs for high-end film and animation projects.
Integrated Truelight color management, optical flow re-timing, and support for Intel-based Mac systems highlight the latest version of the Nuke high-end compositor.
Like previous versions, Nuke 4.6 includes technologies developed to solve particular production problems. For instance, the brand-new optiflow feature enables smooth motion effects when retiming shots or adding/subtracting motion blur. Optiflow creates a pattern track for every pixel, resulting in high-fidelity images with natural-looking motion, and supports bi-directional merging of clips. The new tracker, meanwhile, is faster and more accurate, and is able to detect and adjust to subtle changes in source values. The algorithm goes beyond 2D functions to track motion and rotation, scaling, perspective, and color. Artists can generate transformations based on feedback—when tracking four points, one tracker remains still while the others rotate and scale. It also enables image stabilization and matchmoving.
Other updated functions include an in-paint wire/scratch removal tool, a new color picker, and an updated Primatte keyer, and integration with FilmLight's Truelight.
Moreover, Nuke now supports QuickTime, HDRI, and CRW file formats. A new CRW reader enables direct import of raw camera files so artists can work with the most color and light information available. And with the ability to read/write HDR files, Nuke artists can bring high dynamic range files into Nuke for compositing. Iridas FrameCycler Professional 2006 is bundled with Version 4.6 to enable uncompressed playback and a host of new review and analysis features.
Nuke 4.6 is available for Linux, Windows, and Mac platforms, including Intel-based Mac systems. It costs $4995 for a software license; additional render nodes are priced at $745 per seat. There is a no-cost upgrade for customers under current support contracts.
The new software applications replace "woody" mannequins with highly realistic posable male, female, and child figures. The software is ideal for artists who need to draw or paint human figures but lack ready access to live models.
Artists can choose from ready-to-use human figure models and hundreds of poses, garments, expressions, hairstyles, and backgrounds. They can then set the tone with a variety of lighting options, and view their scene from any camera angle. The resulting 3D human figure is a realistic image that artists can use as a model to help draw, sculpt, or paint the human form. Poser Figure Artist also contains sophisticated features such as spot and general light sources that enable artists to create the perfect lighting for the models. The program comes with how-to tutorials by artist Les Pardew.
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In December, Sanibel Harbour Resort, Fort Myers, Fla., debuted a new look for its 240 hotel rooms and suites with new furniture, a soft-goods renovation, and an upgrade to guest bathrooms. It also introduced five Elite Suites, ranging up to 2,300 square feet and offering magnificent views from the top floors. The 40,000-square-foot spa and fitness center was renovated, and 10 ADA-accessible rooms and suites were added, with open rest rooms, roll-in showers, horn strobes, and special telecommunication devices. These projects follow the introduction of Sanibel Harbour's 45,000-square-foot waterfront conference center in January 2000. www.sanibel-resort.com
The Sheraton New Orleans Hotel recently celebrated 20 years at 500 Canal Street. Its doors opened in October 1982, with 1,110 rooms and 90,000 square feet of exhibit space. To help mark its 20 years in business, the hotel is undergoing a $23 million project to renovate guest rooms and exhibit space. www.starwood.com
Wentworth by the Sea resort will reopen in April as a Marriott hotel, conference center, and spa, restoring the historic hotel to the prominence it enjoyed for a century after opening in 1874. Located in the scenic community of New Castle, N.H., and overlooking the Atlantic Ocean, Wentworth by the Sea Marriott Hotel & Spa will have 164 guest rooms and suites. The hotel will feature tri-level suites in each of the its three Victorian turret towers. Seventeen two-level suites, designed for extended stay guests, will be available in the waterfront The Ship accommodations, popular with guests at the turn of the 20th century. There is more than 10,000 square feet of meeting and function space, including the original grand ballroom. There is a waterfront café; a full-service spa with treatment rooms, saunas, and whirlpools; indoor and outdoor pools; and guest golf access to the adjacent, independent Wentworth by the Sea Country Club. www.wentworth.com
A 2,400-square-foot conference center has been completed at the 46-story Flatotel, an independently owned hotel at 135 West 52nd Street in New York. The main ballroom event space on the second floor can accommodate up to 180 people. Each of Flatotel's four meeting rooms can accommodate 24 people classroom-style. The entire floor will seat 200. All meeting rooms are equipped with state-of-the-art technology and amenities, including videoconferencing with built-in plasma screens, full telecommunications capabilities, and high-speed Internet access. Event space includes the Galleria, a 6,000-square-foot breezeway under a soaring ceiling of skylights and festival lighting. Located off the lobby, it runs between 52nd and 53rd streets and provides an unusual meeting alternative capable of handling a sit-down dinner for up to 150, a cocktail reception for up to 400, or a banquet-style function for up to 350. Flatotel's 200 guest rooms and one-bedroom suites were renovated this year. The hotel is steps from Rockefeller Center, Radio City Music Hall, and the Theatre District. www.flatotel.com
- A part of Arizona since the 1920s, Royal Palms Resort and Spa will open a luxury spa this month. The 9,000-square-foot Alvadora Spa will offer a selection of treatments and products unique to the Mediterranean. www.royalpalmshotel.com
Opening in January, Hyatt Regency Huntington Beach Resort & Spa, Huntington Beach, Calif., has more than 100,000 square feet of indoor and outdoor function space. All 517 guest rooms feature private terraces with beach and ocean views. The 57 one- to three-bedroom suites offer a separate parlor to accommodate small business meetings. The 20,000-square-foot Pacific Waters Spa has 18 private treatment rooms. www.hyatt.com
Scottsdale Plaza Resort, Scottsdale, Ariz., embarked November 1 on a yearlong, $3.1 million renovation of 134 suites. The resort features a total of 404 guest rooms and suites, 30,000 square feet of meeting space, five tennis courts, and indoor racquetball courts. www.scottsdaleplaza.com
The $50 million Lodge at Stonewall Resort, Weston, W. Va., opened in October with 198 guest rooms, all offering lake or golf course views and high-speed Internet access. The resort's 14,000-square-foot conference center has three conference rooms, eight breakout rooms, a boardroom, and a grand ballroom that can seat 350 people. An 18-hole Arnold Palmer Signature Golf Course opened in June. The facility is on Stonewall Jackson Lake, West Virginia's second-largest lake. It offers a 374-slip marina, with watercraft available for rental. www.StonewallResort.com
Hyatt Regency Los Angeles recently completed a $2.5 million renovation of its ballroom. The 10,000-square-foot ballroom and 3,700-square-foot foyer and corridors were completely redesigned. The ballroom can now be divided into six separate sections. The hotel offers 26,000 square feet of function space on one level. http://losangelesregency.hyatt.com


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Khloe Kardashian and Lamar Odom: Scammers?
That's what some people are saying, thanks to an investigation into their charity dealings by ESPN. According to an "Outside the Lines" investigation, Odom's charity, Cathy's Kids, named for his late mother, "primarily existed to finance two elite youth basketball travel teams. Of the $2.2 million raised by the charity, at least 60 percent -- $1.3 million -- went to those AAU teams."
The problem? The charity's mission is to "making a positive impact on the lives of under-privileged children, as well as targeting a disease that has played a significant role in [Odom's] life" - specifically, cancer research. However, no cash has been allocated to research since it was founded in 2004.
The charity is currently operating at a loss, so Odom & Co. might not be scamming anyone, but they aren't necessarily doing what they claim.
It's not the first time the Kardashian family has been accused of scamming people for money, though.
Kim Kardashian: Charity Scammer?
Kim Kardashian seems like quite the giving type when she puts her old clothes up for auction via eBay's Giving Works project. The problem? Only 10 percent of the money goes to charities - the rest lines her ample pockets.
"…but that is often not the case," Glenn Selig, President/CEO of Selig Multimedia, told Fox News in 2012. "The public should never assume that 100 percent goes to charity."
But, she does act like the money goes to charity. Her eBay page even says the sales are helping the Life Change Community Church.
So, bid with caution.
The Kardashians: Debit Card Scammers?
Okay, so this one might not be entirely the Kardashians' fault, but they should have read the fine print before signing on the dotted line. The K sisters were accused of ripping off their fans by putting their name on a pre-paid debit card lined with ridiculous fees like a $99.95 purchase fee, along with $7.95 per month charge, $6 customer service calls and $500 for lost cards.
They eventually dropped their association with the card when Connecticut Attorney General Richard Blumenthal launched an investigation into the card back in 2011. But, then they were sued for breach of contract by the pre-paid debit card company.
More from this contributor:
Kim Kardashian Goes to Painful Lengths for Beauty
Kim Kardashian's Biggest Pregnancy Complaints
Celeb Trend Report: Kim Kardashian and More Celebs Swear by Questionable Facials
Note:This was written by a Yahoo! contributor. Join the Yahoo! Contributor Network here to start publishing your own articles.
- Volunteering & Philanthropy
- Khloe Kardashian
- Kim Kardashian
- Lamar Odom


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PeachesnCreme 2 years
I love this. While i agree with bellasmami in the sense that I wouldn't want to pay a buttload for stuff my kid is just going to get everywhere, I think it's definitely something to think about. We spend so much on toys anyway, and if you have a daughter who is very girly it seems like a great choice. It's a good way to start her off on the right track. Not only will you not be allowing her to put chemicals on her face/body but you'll set the stage for how she views her beauty and the products she uses to enhance it when she's older.
bellasmami 4 years
While I like the idea of natural products, I don't want to go out and spend extra money on brand new products for her to play with when she's content digging her finger in the cheap ones and using it as paint to make glittery greeting cards. She's eight. She's not going to eat it. Maybe if she were younger I would consider it if she just absolutely LOVED to play with makeup.
Galonabudget 4 years
It's just so great that there's a huge selection of natural products kids can play with instead of smearing chemicals all over their faces!
Link Love
- Mom forced to stop feeding baby homemade formula — BabyCenter Blog
- The easiest ways to save on organic food — The Stir
- A look inside Fergie's second baby shower — Celebrity Baby Scoop
- Danielle Jonas debuts her baby bump — People Moms & Babies
- 7 light and fresh recipes to take you through Summer — FitPregnancy
- Does where you live affect your risk for PPD? — The Bump
- Where to find the best deals on school supplies — Real Simple
- Now this is how you announce a pregnancy! — HuffPost Parents


text: There are still treated wood products available. It is true there were some big changes in what chemicals could be used, but you can still get treated lumber for outdoor projects. Bear in mind no wood will last forever when it is exposed to constant ground contact. If these are just upright posts, treated wood would not be necessary, just paint will provide protection. If these are supporting the porch floor, then what about concrete piers or blocks? I am having a hard time understanding why you would want to use creosoted railroad ties for the pillars that support the porch roof.


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'This light gives off just enough light for reassurance for your child and also to enable you to check on...'
Busy Mum - Devon
The perfect accomplice in getting baby to sleep - yes, the night light! Get yours here at Kiddicare. Choose from market leading brands Chicco, Summer or Gro-Company, plus sleep-easy safe in the knowledge we offer 365 returns on all kids night lights.
©Kiddicare 2014


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Contact: Mercer Feedback
United States
, New York
Decisive action by employers in 2012 – in particular, moving more employees into low-cost consumer-directed health plans and beefing up health management programs – was rewarded with the lowest average annual cost increase since 1997. According to the National Survey of Employer-Sponsored Health Plans, conducted annually by Mercer and released today, growth in the average total health benefit cost per employee slowed from 6.1% last year to just 4.1% in 2012 (Fig. 1). Cost averaged $10,558 per employee in 2012. Large employers – those with 500 or more employees – experienced both a higher increase (5.4%) and higher average cost (Fig. 2).
Employers expect another relatively low increase of 5.0% for 2013. However, this increase reflects changes they plan to make to reduce cost; if they made no changes, cost would rise by an average of 7.4%.
Mercer's nationally projectable annual survey includes public and private organizations with 10 or more employees; 2,809 employers responded in 2012.
"Employers are very aware that in 2014, when the health reform law's provisions kick in, they will be asked to cover more employees and face added cost pressure," said Julio Portalatin, President and CEO of Mercer. "They've taken bold steps to soften the impact and it's paying off already."
Those that may have been waiting for the election results will need to act quickly, he says, "because critical decisions need to be made by the summer so they can be implemented for 2014 open enrollment."
Success in controlling cost growth in recent years may be contributing to employers' commitment to providing health coverage. Few believe it is likely that they will terminate their employee health plans within the next five years, even though state-based health insurance exchanges will provide another source of health coverage for individuals beginning in 2014. Just 7% of large employers and 22% of small employers (those with 10-499 employees) believe it is likely or very likely that they will do so (Fig. 3).
In fact, there was a slight uptick in the percentage of employers offering coverage in 2012: it rose from 55% to 59%, after falling in each of the previous two years. Most of the increase was among the smallest employers – those with 10-49 employees – which are the least likely to offer coverage and the quickest to drop it when cost goes up (Fig. 4).
Enrollment shift to low-cost consumer-directed health plans helped to hold down overall cost increase
With a growing number of employers now positioning a high-deductible, account-based consumer-directed health plan as their primary plan – or even their only plan – employee enrollment jumped from 13% to 16% of all covered employees in 2012 (Fig. 5). Many employers see these plans as central to their response to health care reform provisions that will raise enrollment. Over the past two years, offerings of CDHPs have risen from 17% to 22% of all employers, and from 23% to 36% of employers with 500 or more employees. Well over half (59%) of very large organizations (20,000 or more employees), which typically offer employees a choice of medical plans, now offer a CDHP (Fig. 6).
"If we're not already at the tipping point for CDHPs – and we may well be – at this rate of growth it's coming soon," says Sharon Cunninghis, US business leader for health and benefits.
Moving even a small number of employees out of a more expensive plan into a CDHP can result in significant savings for an employer. The cost of coverage in a CDHP with a health savings account is about 20% lower, on average, than the cost of PPO coverage – $7,833 per employee compared to $10,007 (Fig. 7). While employers have been reluctant to offer the CDHP as the only medical plan, survey results suggest that attitudes are shifting. When asked if they expect to offer a CDHP five years from now, 18% of large employers say they expect to offer it as the only plan, up from 11% in 2011. Among large employers that offer an HSA-based CDHP, average enrollment rose from 25% to 32%.
"PPACA requires that health plans cover, at a minimum, 60% of eligible health plan expenses," says Ms. Cunninghis. "Some employers are resetting their health plan value to move closer to that minimum, and saving money as a result."
Offering a lower-cost CDHP is one way employers "reset" plan value in 2012. Others simply raised the deductible of an existing PPO plan. The average PPO in-network deductible reached $1,427 for an individual in 2012. Although large employers typically require much lower deductibles, the average deductible amount among employers with 500 or more employees rose by about $80 in 2012, to reach $666 (Fig. 8).
"Over the past decade, employers have figured out how to stabilize health benefit cost increases through cost-shifting and other cost management techniques. Now we're seeing a move toward even greater control through defined contribution strategies," says Ms. Cunninghis.
An example of a defined contribution strategy is determining in advance what the employer contribution to the cost of coverage will be, and requiring employees to pay anything above that amount. If the employer offers a range of plans, employees can save money by choosing a lower-cost plan. Nearly half of employers – 45% – say they currently use or are considering using a defined contribution strategy (Fig. 9).
Employers believe health management is helping to slow medical trend
Workforce health management, or "wellness", has emerged as employers' top long-term strategy for controlling health spending. Over three-fourths of large employers (78%) say that senior leadership is supportive or very supportive of health management programs as a means of encouraging more health-conscious behavior.
"While most employers believe that health management programs are making a difference," says Tracy Watts, a partner in Mercer's Washington, D.C. office, "proving ROI remains a challenge for many. That said, there are many examples of programs saving lives by identifying a ticking time bomb and getting that person immediate care."
The largest employers are the most likely to have formally measured the return on investment (ROI) of their health management programs (53% of employers with 20,000 or more employees). Of those, more than three-quarters say that their programs have had a positive impact on medical plan trend.
Perhaps because they are seeing results, employers are increasingly willing to invest in the success of these programs. For the third year in a row there was a sharp increase in the use of incentives or penalties to encourage higher participation: 48% of large employers with health management programs provided financial incentives or penalties, up from 33% last year (Fig. 10). When non-financial incentives (such as recognition, gifts or lotteries) are included, this figure reaches 54%.
At the same time, incentives have become more substantial. The most common incentive offered by large employers for completing a health assessment in 2012 is a reduction in the employee's premium contribution; the median reduction in the annual contribution required for employee-only coverage is $260. In addition, a growing number of employers are providing incentives for achieving desired outcomes, instead of (or in addition to) incentives for participating in programs. Where incentives for achieving, maintaining or showing progress toward specific health status targets were rare in 2011, in 2012 nearly a fifth (18%) of large-employer health management programs include them.
Looking ahead
With the future of health reform secured by the re-election of President Obama, employers will be focusing on the next generation of cost management strategies. One approach that is increasingly in the spotlight is the use of private exchanges, a private-sector alternative to the state health insurance exchanges. Private exchanges give employers a way to offer employees a broader choice of benefits while allowing carriers to compete for their business and manage their risk. More than half of all employers (56%) say they would consider a private exchange for either their active or retired employees.
The changing health care market is presenting employers not only with new ways to purchase health insurance, but with new ways to influence the quality of care that their employees receive. Among very large employers (5,000 or more employees), the use of high-performance (or "narrow") provider networks rose from 14% to 23% in 2012, while the use of surgical centers of excellence rose from 18% to 35%. There was also strong growth in the use of medical homes (from 3% to 9%), which also promise to save money by improving care.
"While employers deserve a lot of credit for curbing cost growth in 2012, they know that no one silver bullet will end cost escalation forever," says Ms. Watts. "Health reform has presented us with a new set of challenges and we have to keep thinking one step ahead."
Other findings
• Offerings of retiree medical plans remains stable in 2012 About a fourth (24%) of large employers offer an ongoing plan to retirees under age 65 and just 17% offer a plan to Medicare-eligible employees, essentially unchanged from 2011. An additional 15% have stopped offering a plan for which new hires will be eligible but continue to offer coverage to a closed group of employees retiring or hired before a specific date.
• Domestic partner coverage Close to half of large employers include same-sex domestic partners as eligible dependents – 47%, up from 39% in 2010. This varies significantly based on geographic regions, from 73% of employers in the West to 30% in the South.
• Spousal surcharges Very large employers are adopting special provisions concerning spouses of employees with other coverage available. In 2012, 18% of employers with 5,000 or more employees had such a provision in place, up from 15% in 2011. They either imposed a surcharge for spouses with other coverage available (14%) or denied them coverage entirely (4%).
• Tobacco use surcharges 19% of large employers (up from 17% in 2011) vary the employee contribution amount based on tobacco use status, or provide other incentives to encourage employees not to use tobacco. Growth was especially strong among very large employers: 46% of employers with 20,000 or more employees now use an incentive, up from just 35% in 2011.
Survey methodology
The Mercer National Survey of Employer-Sponsored Health Plans is conducted using a national probability sample of public and private employers with at least 10 employees; 2,809 employers completed the survey in 2012. The survey was conducted during the late summer, when most employers have a good fix on their costs for the current year. Results represent about 800,000 employers and more than 104 million full- and part-time employees. The error range is +/–3%.
The full report on the Mercer survey, including a separate appendix of tables of responses broken out by employer size, region and industry, will be published in April 2013. The report costs $600 and the report and tables cost $1,200. For more information, visit www.mercer.com/ushealthplansurvey or call Tara Lewis at 212-345-2451.
Notes for editors
Health maintenance organizations (HMOs) use a network of health care providers and do not cover care provided outside of the network.
Preferred provider organizations (PPOs) utilize a network of providers. There may be incentives for members to use the network providers, but they are covered for care received outside the network. Point-of-service plans are included.
A consumer-directed health plan (CDHP) is a medical benefit design in which employees use spending accounts – Health Savings Accounts (HSAs) or Health Reimbursement Arrangements (HRAs) – to purchase routine health care services directly. Non-routine expenses are covered by traditional insurance after members meet a generally high deductible. Online health and financial tools are generally provided. With an HSA, employees may contribute pre-tax dollars into the account; an employer contribution is optional, but employees have full control over all money in the account. With an HRA, only employers may fund the account and they decide whether money left in the account at the end of the year may roll over.
About Mercer
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Frank S. Baker Center
316 Martin Luther King Jr Way
Tacoma, WA 98405
From I-5, take the City Center exit onto I-705. Follow directions to Schuster Parkway, exiting on Stadium Way. Turn right onto Stadium Way. Follow approximately 1/2 mile, turning left onto Division Avenue. Continue on Division for five blocks. Turn left on Martin Luther King Jr. Way. Parking for the the Frank S. Baker Center will be on your right, across from the Tacoma General Hospital main entrance.


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East Lancashire ambulances missing serious response target by 50 per cent (From Lancashire Telegraph)
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East Lancashire ambulances missing serious response target by 50 per cent
10:10am Thursday 2nd January 2014 in News
AMBULANCES called out on the most serious emergencies are missing their response target in more than half the wards in East Lancashire.
MP Graham Jones said 'simply not enough resources' were being given to the North West Ambulance Service (NWAS) leaving it struggling to cope.
He said the situation had got so bad, sometimes police were taking people to A&E rather than wait for an blue light ambulance or paramedic service.
NWAS aims to respond to three-quarters of the most serious and immediately life-threatening calls within eight minutes.
But data obtained by the Lancashire Telegraph through Freedom of Information laws showed 45 out of 84 ward areas missed the target between April and September this year.
In several wards the 'Red 1' target was missed in more than half the incidents, including Craven and Earby, where politicians have previously highlighted the problem.
In five Ribble Valley and Pendle wards the target was missed on every occasion, although there were only a small number of calls. These were Langho, Mellor, Gisburn and Rimmington, Higham and Pendleside and Vivary Bridge.
Red 1 calls cover cardiac arrest patients who are not breathing and do not have a pulse, plus other severe conditions where treatment is needed extremely quickly.
NWAS is only contracted to deliver the 75 per cent standard across the whole region, so is able to balance the longer response times in rural areas with the quick response times in urban areas such as Blackburn, Burnley, or Manchester.
Hyndburn and Haslingden MP Mr Jones said: "The trust is struggling for two main reasons.
"Firstly, Royal Blackburn Hospital has the busiest A&E in the north west and one of the busiest in the UK, and secondly, the cuts that were being placed on the North West Ambulance Service meant they could not provide the level of service they have provided previously.
"There is also a growing number of people calling 999 rather than their GP, or making their own way to A&E."
He said the police had told him: "In some cases it was more efficient for police to take people to A&E rather than wait for a blue light ambulance or paramedic service.
"They were concerned police were having to take people to A&E, and I raised his concerns with the North West Ambulance Service.
"Quite simply, they cannot cope. I know that they are doing the best they can.
"Lancashire is a lot different to urban areas, and it's one of the problems they face in hitting targets in areas like this, but they do not have the resources.
"It's not as if they don't care or they are not racing to a call, but there simply is not enough resources."
Russ McLean, chairman of the Pennine Lancashire Patient Voices Group, said: "The patients of East Lancashire have a right to expect to be treated in exactly the same way no matter what their geographical location. I would like to see financial penalties imposed in the areas where there is poor performance.
"Missing one target is one is one target too many, especially where it involves emergency or urgent care."
Ambulance services across the country have been training residents in rural areas to become community first responders (CFRs) and Pendle MP Andrew Stephenson said an ongoing recruitment drive would be crucial to improving performance in East Lancashire.
CFRs are volunteers who often live in rural areas and can give crucial emergency care before paramedics arrive, such as using a defibrillator to revive a cardiac arrest patient.
Mr Stephenson, who has praised the hardwork of paramedics and recently went on a ride along with a crew, said: "I've been in discussions with the ambulance service about poor response times and I'm keen to do anything I can to improve this.
"With the best will in the world they're not going to be able to get to a rural farm as quickly as somewhere in a city, although Vivary Bridge in Colne is an urban area which does give some cause for concern. We know we need to work together to recruit more volunteers to be community first responders."
Steve Rice, branch secretary for the GMB union at NWAS, said: "It is crucial to try and meet this target, especially for cardiac arrest patients, because they reckon it should be as quick as four minutes ideally.
"The way the service is commissioned has always been a bug bear, because you could just concentrate on Liverpool and Manchester and probably still hit the target, but that wouldn't be right and we don't do that because people in Lancashire and Cumbria would suffer."
NWAS said achieving the response times in rural areas 'can be challenging due to the nature of the landscape', but said it still 'strives for equity' across the counties.
It said ambulances and rapid response vehicles were based at dedicated stations across East Lancashire, so it does not currently use strategic road-side waiting points.
The stations are in Accrington, Altham, Barnoldswick, Blackburn, Burnley, Clitheroe, Darwen, Nelson, Rossendale and Stacksteads.
Overall in East Lancashire the eight minute target was met in 71 per cent of cases.
In Blackburn with Darwen the performance was 84 per cent, with Whitehall and East Rural the only wards where the target was missed.
An NWAS spokesman added: "There will always be variation across the region depending on weather, time of day, activity levels, distance between vehicle and the incident etc.
"Achieving the required response times in rural areas can be challenging not least because of the nature of the landscape. This is something that we are continually working to improve.
"When we consider resources to improve response times, we obtain data from our capacity manager who maps travel times, geography, historical activity, station locations, existing resources as well as known developments (building of new houses in various areas etc)."
A spokesman for Blackpool Clinical Commissioning Group [CCG], the lead commissioner for NWAS, said: "We are currently working with NWAS on developing a data pack for each of the CCGs who we commission the ambulance service on behalf of.
"The data pack will help explain the reasons for the variations in performance by individual CCGs.
"In the areas where performance is low and are affected by these factors, additional resources are not the answer as this would not be the best use of scarce NHS resources.
"However, NWAS have developed a wide range of community first responder schemes which supplements the services provided by NWAS."
To find out more about becoming a volunteer see: http://www.nwas-responders.info/
Comments (10)
Please log in to enable comment sorting
9:39am Thu 2 Jan 14
shytalk says...
12:27pm Thu 2 Jan 14
Mikeee47 says...
2:14pm Thu 2 Jan 14
cutthebull says...
The public need to be told No when it's an inappropriate call, the issue is then if anything was to happen to that person eg hit by a car while making their way to hospital & an ambulance crew had refused them transport they'd be held accountable. The system is call 'the art of A** covering' every public service has to do it due to ambulance chasers & management who are prepared to hang you out to dry.
If there were financial penalties for the time wasters & the money came straight out of their benefits or even rarer wages then their would be a huge reduction on what calls ambulances/comes into A&E. Don't get me started on the public who demand ambulances home after treatment!
5:18pm Thu 2 Jan 14
ratbag says...
5:45pm Thu 2 Jan 14
mavrick says...
8:16pm Thu 2 Jan 14
ratbag says...
6:08am Fri 3 Jan 14
Sogden says...
Mikeee47 wrote:They mobilise once an address match is made, the ambulance is already on its way when the "triage" is being carried out
8 min response time for most Emergencies is absolute poppy ****. it takes that length of time for the stupid woman trying to Triage over the phone. In which time your loved one has probably died.. you might as well do a motor vehicle diagnostic over the phone. CANT BE DONE!
6:15am Fri 3 Jan 14
Sogden says...
12:30pm Fri 3 Jan 14
JNAMOULDING says...
shytalk wrote:very good comment shytalk, it was only a few week's ago our so-called MP Andrew Stephenson published in this very same newspaper that it make's good sense to axe Ambulance stations to save money ?even stating he voted all in favour'' !
3 yrs This unelected junta have been in power and this is the result. Do not blame labour by saying they caused the world wide recession that has led to cuts in services. This is the result of greedy Tory college boys wanting to put the NHS into private foreign hands like they have done with utility companies and everything else they can get their greedy little trotters on.
and he is now voicing his concerns in this same newspaper about poor responce times' is it any wonder he has been nicknamed the Pendle Poodle on twitter ,
2:33pm Fri 3 Jan 14
Blue-tonic says...
Comments are closed on this article.


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Zahid Rahim wrote:As'salamualikum, Zahid Rahim,
i have applications running on both 6i and 10g Forms. On both applications when a stop alert appear user close it with X Close button on top right cornor and go ahead. Thus violating the restrictions.
Any solution to stop this and implementing alerts in true sense.
Hope this works..
raise form_trigger_failure;
Zahid Rahim wrote:Ah! That can't be done using "Default" Forms functionality. You would have to create your own Canvas in the Form and make it look like an Alert. Then you could do the kind of thing you are talking about. I would open the new canvas in a Model Window so the user can't do anything unless they respond to the messgae. Also, you will need to handle the situation if the user clicks on the [X] box to close the modal window.
Alert buttons and raise form_trigger_failure works perfectly. Problem is with alert close X Button. when it pressed either some trigger should be there to code or it should not be pressed.


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Dani Pedrosa topped three of the four practice sessions ahead of qualifying for the Shell Advance Malaysian Motorcycle Grand Prix, but managed no more than fifth in the grid-deciding period. Despite this, the Repsol Honda Team rider remains upbeat heading towards Sunday.
Pedrosa faces the possibility of mathematically dropping out of the title chase this weekend, although the Spaniard remains confident that he is able to repeat the Sepang victory he first achieved in wet conditions one year ago. On Saturday, the field was again tested by a slippery track surface following a light rain shower.


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This is the third installment in a series of reports on the 2004 All-Star Game from Michael McHugh, a 13-year-old sports reporter from Friendswood, Texas. McHugh is a regular contributor to The Reporter News, serving Friendswood and Pearland, Texas. He also writes a column for the official web site of the American Hockey League's Houston Aeros. He was recently featured in SIKIDS Sports Radio.
FanFest Is FanTastic!
That's the best way to describe this event being held at the George R. Brown Convention Center. There is something for everyone and it's the best place in the world if you are a baseball fan.
I have to admit that I am exhausted. I was so excited last night that I didn't get any sleep. I kept thinking about my assignment, and how lucky I was to get the chance to work for MLB.com, and what a blast it was going to be. I must have dozed off at some point though, because my mom was there to wake me up at 5 a.m. so I could get ready to go to FanFest for the opening ceremonies held this morning.
Nolan Ryan was present for the opening and participated in a question and answer session where fans had the chance to ask the Hall of Famer questions. After watching that for a while, I went to explore all the fun things for kids to do.
One of my favorite exhibits was a game that was set up like the TV show Jeopardy. Contestants selected a baseball topic and a host read questions. For every correct answer the contestants were awarded points. I played along from the audience and did pretty well, except for when they got to some of the historical trivia.
Playstation 2 had an area where you could play games and there were lots of hands on activities for fans. You could try your skills at video batting, where you face your power pitcher of choice. Another game allows you to pitch against a power hitter like Barry Bonds and you try and strike him out.
Another really cool exhibit was the Baseball Hall of Fame treasures. Among the treasures on display, you can see Babe Ruth's shoes, and lots of other legends' equipment and jerseys.
Tomorrow I am going to try my hand at being a sportscaster. There are a couple of places where you can sit in front of a camera and read the sports like the professionals.
Everywhere you turn, they had tasty treats to eat. There were the usual hot dogs (which I had),Texas bar-b-que, pretzels, ice cream, chips, sodas, cookies, nachos, and well, you get the idea. You definitely won't leave hungry.
Ken from Murphy, Texas said, "There has just been a ton of stuff to do, and I'm having a blast."
"I like that most of the things are free," said Pete Jackson.
Lee Smith, a 10-year-old from Houston agreed, "I had no idea how cool this place is."
It really is an awesome place, and I had a blast.
There is so much to do that I have to go back tomorrow. I hope to put together my top ten things to buy at FanFest and check out the collectibles. That is, after I get a good night's sleep from all the excitement!
If you get the chance, be sure and stop by. You will have the best time!
Michael McHugh is a student at Friendswood (Texas) Junior High and is a special contributor to MLB.com. He will provide special coverage of the 2004 All-Star Game in Houston. This story was not subject to the approval of Major League Baseball or its clubs.
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Site changes
You may have noticed a few things moving around on the site - don't panic! We're in the process of some long overdue housekeeping, finding the dead-ends and removing the word 'new' from pages mentioning 'UP'. Shock - horror, we've even removed the gold and platinum teaser from the Full Moon Club sign-up. More changes are coming, and hopefully you'll all see the benefits of the updates.
The Full Moon Club was initially a place to promote UP, but as time moves on it is now becoming the home of exclusive 'members' content - the stuff you have to log-in to see. Hopefully the end result will be a site that's easier to navigate. This may help to explain why the Forums have vanished from The Full Moon Club Menu - you don't have to be a member to read them. Tina has moved into The Full Moon Club - as she offers some pretty good prizes in her monthly competitions we felt it only fair that entrants were in the club..it's free after all.
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- Discover CIU
- Academic Programs
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- Become a Student
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The Student Senate is the executive cabinet responsible for representing the students before the administration and communicating back to the students. The presidents of all student organizations serve on the Senate with the four student senate executive officers. Opportunities for leadership also include; The Student Union, Student Mission Connection, The Finial, Married Student Association, African American Student Association, Grad Life Council, Mu Kappa, The Exchange, International Students Ministries, The Credo, Freshmen Leadership Team, Class Officers and Pilgrims Protest.
81%. This is the fourth highest in the state for private institutions.
CIU is made up of many denominations of people and is unaffiliated. We strive towards a basis of evangelical unity.
Undergraduate: 47% male students and 53% female students. Graduate and Seminary: 56% male students and 44% female students.
If a student is transferring in less than 24 credits, they need to proceed with the normal registration process including a high school transcript and test scores. However, if they are transferring in more than 24 credits, the high school transcript and test scores are not necessary.
TraveLearn is a department dedicated to helping students receive cross cultural experiences by providing opportunities for foreign internships, study tours, student teaching, and semesters abroad.
CIU holds an annual church fair made up of 30-40 churches that are connected CIU. The students can speak to members and leaders of the churches as well as talk to other students that attend those churches. CIU also has curriculum within the core classes that requires students to attend several different congregations.
The freshman class is guided by their leadership in a way that builds unity among the students. Recreational outings, group building activities, and scheduled events are all planned by the Freshman Leadership Team.
CIU have the following teams competing at the collegiate level: Men's Soccer, Men's and Women's Cross Country, Men's and Women's Basketball.
CIU has a variety of intramural sports which include; Co-Ed Volleyball, Co-Ed Flag Football, Co-Ed Dodge ball, Men's Basketball, Women's Basketball, Co-Ed Indoor Soccer, and Co-Ed Ultimate Frisbee.


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Empathy, cooperation, fairness and reciprocity — caring about the well-being of others seems like a very human trait. But Frans de Waal shares some surprising videos of behavioral tests, on primates and other mammals, that show how many of these moral traits all of us share. (Filmed at TEDxPeachtree.)
pin This talk was presented to a local audience at TEDxPeachtree, an independent event. TED editors featured it among our selections on the home page.
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